FLEXIBLE HVAC FINANCING
FOR EVERY BUDGET
Don't let the cost of a new AC system keep your family uncomfortable in Arizona's heat. Bradford Heating & Cooling offers two financing options — from 0% interest to budget-friendly monthly payments as low as $104.
No down payment · Fast approval · AZ ROC #353859 · Ask about our cash discount
4.8· 276 Google ReviewsFinancing Options
⭐ Trane XR / XL / XV
~$275/mo
On approved credit
💚 RunTru by Trane
~$104/mo
On approved credit
*Subject to credit approval. Contact us for details.
TWO OPTIONS —
EVERY BUDGET COVERED
Whether you want to pay zero interest or keep your monthly payment as low as possible, Bradford has a financing plan that works for your situation.
Premium Choice
Trane XR / XL / XV Series
interest
for 60 months
From ~$275/month · On approved credit
- Zero interest — pay only for the system
- 60 monthly payments — 5-year term
- Trane XR, XL, and XV series qualify
- Up to 20 SEER2 efficiency available
- 10-year parts warranty on qualifying systems
- Professional installation included
Budget-Friendly
RunTru by Trane
interest
for 120 months
From ~$104/month · On approved credit
- Lowest monthly payment option
- 120 monthly payments — 10-year term
- RunTru A-Series and B-Series qualify
- Up to 15 SEER2 efficiency
- 10-year parts warranty
- Same Trane engineering, lower price point
*On approved credit. Subject to credit approval. Financing provided through Trane's approved lending partners. AZ ROC #353859.
How It Works
GET APPROVED IN 3 EASY STEPS
APPLY ONLINE
Call Bradford at (623) 624-6246 or request a free in-home estimate. We walk you through the financing application — it takes about 5 minutes.
GET APPROVED
Credit decisions typically come back in minutes. Once approved, you choose your Trane or RunTru system and lock in your monthly payment.
WE INSTALL
Bradford schedules your installation — most jobs are completed same day or next day. You start enjoying cool air immediately, paying as low as $104/month.
On approved credit. Subject to credit approval. AZ ROC# 353859.
WHY FINANCE YOUR NEW HVAC SYSTEM?
A new HVAC system in Surprise, AZ typically costs between $7,500 and $14,000 installed, depending on the size of your home and the system you choose. For most homeowners, that's a significant upfront expense — especially when an old system fails unexpectedly in the middle of a 115° Arizona summer.
Bradford's financing options let you get the system your family needs today, without waiting to save up the full amount. With 0% interest for 60 months on qualifying Trane systems, you pay exactly the same as you would paying cash — just spread over five years. There's no interest penalty, no hidden fees, and no down payment required.
For homeowners who want the lowest possible monthly payment, RunTru by Trane offers 6.99% financing for 120 months — that's a 10-year term with payments as low as $104/month. RunTru systems carry the same Trane engineering and a 10-year parts warranty, at a more accessible price point.
Many Bradford customers find that the energy savings from a new, high-efficiency system partially offset their monthly payment. An older 10 SEER system replaced with a 16+ SEER2 Trane can reduce cooling costs by 30–40% per month — often $60–$120 in Arizona summers.
PREFER TO PAY WITHOUT FINANCING?
When you pay by cash or check — no financing involved — we pass the savings directly back to you. Ask about our cash discount when you call or book online. There's no pressure either way; we just want to make sure you know the option exists.
- ✓ Pay by cash or check at time of install
- ✓ No financing fee — savings passed to you
- ✓ Just mention it when you call or book
- ✓ Amount varies — ask for today's rate
HVAC FINANCING FAQ —
SURPRISE, AZ
GET A FREE FINANCING ESTIMATE
Surprise, AZ · Ken comes out personally · No obligation
$59 A/C TUNE-UP & INSPECTION
Per unit · Full 20-point inspection · Serving Surprise, AZ
Or request a quote for any other service below